Retiring abroad isn't
one decision — it's four.
Find yours.
Snowbird, perpetual traveler, trial move, or permanent relocation — each has its own Medicare rules, insurance needs, and tax situation. Start with your scenario; the rest follows from there.
18
Months of planning — the window before the most important decisions run out of time
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What Medicare pays for most care outside the US — the gap you'll need a plan for
3
Decisions in this process with permanent consequences: Medicare, tax domicile, and investments
Medicare coverage rules per medicare.gov. Part B penalty and premium per CMS 2026 fact sheet. Updated annually each fall.
Not sure where to start?
The decisions that can't wait
The Medicare Guide
What happens to your coverage the moment you leave the US — and the enrollment decisions that have permanent consequences if you get them wrong.
Money & financesBanking, Taxes & Investing Abroad
Fidelity, Vanguard, and Schwab have been closing expat accounts since 2024 — and Social Security deposits still need a US address. The four money decisions to make before you leave.
Insurance comparisonInternational Health Insurance
The plans that fill the gap Medicare leaves — what to look for, what to watch out for, and which providers are worth getting a quote from.
The planThe 18-Month Relocation Timeline
Medicare, insurance, visa, bank account, tax domicile — each one has a moment when it has to happen, and a moment when it's too late. Six phases, in the order they have to run.
Your destination
A note from us —
The dream of retiring abroad is easy to find. The practical roadmap — Medicare decisions, banking moves, visa timelines, tax choices — is harder. We built the latter.